Travel Insurance for USA

Travel insurance safeguards you from the various safety risks you may face when traveling to the USA. Moreover, it provides financial assistance to cover the high treatment cost in case of any medical emergency. It is thus highly advised to travel with comprehensive travel insurance. 

No matter how minor, a visit to the doctor and hospitalization can result in thousands of dollars of expenses, resulting in either no care or improper and inadequate treatment. Some medical institutions even ask for proof of insurance or the ability to pay before receiving treatment. So remember to travel with the best travel insurance for the USA to ensure you are not turned away from availing yourself of medical treatment when necessary.

Travel insurance for US visitors is necessary and pays for itself in bucket loads if you need to claim it. The primary benefits of any insurance is the financial protection directly linked to the coverages offered under it. It also allows you to avail quality medical treatment without leaving holes in your pockets. 

Also, purchasing insurance when traveling is even more valuable when touring with your loved ones, as it usually requires a lot of planning and deliberation. While just the thoughts of any mishappening with them can be daunting, this is also where opting for insurance offers psychological benefits, allowing you to travel confidently and with peace of mind. 

Here are a few of the additional benefits offered to travelers going to the USA:

• Purchasing travel insurance for the USA offers financial and medical benefits, with Niva Bupa especially offering cashless claims during medical emergencies.
• With travel plans, you will receive financial protection from risks such as trip cancellation, lost checked-in baggage, missed connecting flights, etc.
• Armed with insurance for the USA, you can access proper healthcare facilities in case of medical ailments and emergencies. 
• Purchasing insurance when visiting the USA will protect you from personal liability for any accidental damage to property or injury to persons caused abroad.

When traveling with insurance, knowing the inclusions under the travel policy is important. It can help you to identify the scenarios you will be protected from and plan your travel accordingly.

Here is a list of inclusions that are covered by Niva Bupa:

• Delay or loss of checked-in baggage: This coverage offers partial or complete reimbursement for significant delay or loss. 

 

• Missed connecting flight: This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late. 

 

• Loss of passport: This coverage reimburses you for the cost of applying for a new passport if the original is lost. 

 

• Dental treatment: This coverage reimburses a pain-relieving dental treatment availed under anesthesia. 

 

• Trip delay, cancellation, interruption: These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, canceled, or interrupted due to certain conditions mentioned in the policy document. 

 

• Medical emergency (hospitalization): This coverage offers reimbursement for the cost of medical treatment.

 

• Emergency outpatient treatment: This coverage reimburses any emergency treatment under OPD. 

 

• Medical evacuation: This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care. 

 

• Emergency trip extension: If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days. 

 

• Personal accident: This coverage pays a portion up to the sum insured for accidental death or disability. 

 

• Repatriation of mortal remains: This coverage reimburses you for the cost of transporting the mortal remains of the traveler or the cost of cremation in the city/country of death. 

These coverage options are bundled into plans and offered based on comprehensiveness. Whenever applying, you will be showcased three curated plans with a mix of these coverages and their quotes, allowing you to make the right choice when choosing a plan.  There might also be additional coverages if you avail student travel insurance in the USA.

While the previous section discusses the specific coverages you can expect when choosing a plan, this section showcases scenarios Niva Bupa does not cover. You will not be offered a claim settlement if you are injured or suffer a loss due to participating in these activities. 

1. These include treatment for any injury or illness resulting from nuclear, radiological emissions, war or rebellion, and certain acts of terrorism.

2. Active participation in military exercises, war games or engagement with the enemy.

3. Any loss or injury due to committing or attempting to breach the law with criminal intent 

4. Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document

5. Maternity expenses

6. Non-prescription or unproven drugs or treatments

7. The provision of certain medical treatments or equipment

8. If the insured person is traveling against the advice of a Doctor or is receiving or on a waiting list for specified medical treatment

9. Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression

10. Countries with travel restrictions for Indians

11. Medical Tourism

12. Damages due to adventure sports unless part of coverage

13. Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

These are some activities to be mindful of; however, it is important to note that this list is just a summary of the exclusions, and customers need to refer to the policy document for the complete list. It is always vital to check the policy document before participating in an activity that can result in financial loss or harm your well-being. 

To further elucidate the benefits of opting for travel insurance with Niva Bupa, you can buy travel insurance online in the USA within minutes. This offers unmatched convenience, allowing even those procrastinating until the last minute to reconsider and protect themselves. 

Here are the steps to buy peace of mind when traveling to the United States. 

1. Visit the Niva Bupa Travel Insurance page.

2. Fill out the details requested in the portal, and choose whether you will go on a single trip or travel as a student. Choose USA from the dropdown menu, select the date of departure and return and confirm with your phone number.

3. After filling out all these details, click “view plans.”

4. This will take you to a page where you can input the traveler’s details. 

5. Once that is done, click “Next” and choose the right plan for your needs. Change the sum insured to the amount you want to insure your trip for and select any add-ons.

6. Click on “Next” after this and fill out the relevant information along with the medical declaration to purchase the plan of your choice.

7. Once the payment is complete, the policy will instantly appear on the portal and be emailed to you.

There are no specific criteria to be eligible for travel insurance; however, these are some of the basic requirements you can expect from an insurance provider. 

• Adults should be between the ages of 18 and 70.

• Dependent children can be up to the age of 25.

• Travelers must possess and furnish mandatory documents like copies of passports, visas, income proof, and other relevant papers.

Here is a list of essential documents necessary when traveling to the USA from India. It is, however, important to keep in mind that this list is not exhaustive and might have certain additions or reductions. 

1. Passport and Visa

2. Vaccination certificate

3. Flight ticket

4. Confirmed booking of the accommodation

5. Cash along with international credit or debit card

6. List of significant phone numbers

7. Information from the Indian embassy

8. Travel Insurance Policy

The USA is incredibly vast and is subject to multiple different weathers, which makes it challenging to offer an overall view of the USA without knowing where you are traveling to. However, typically, tourists prefer March to May, September, and October due to the cool, mild and comfortable temperatures. 

If you are a tourist, though, there are certain places that you definitely must visit. These are the top ten tourist destinations in no particular order.

1. Statue of Liberty, NYC

2. Niagara Falls, NY State

3. Golden Gate Bridge, San Francisco, CA

4. Grand Canyon, Arizona

5. Las Vegas Strip, Las Vegas, NV

6. Griffith Park, CA

7. Venice Beach, CA

8. Yellowstone National Park, Wyoming

9. Yosemite National Park, CA

10. Walt Disney World, Orlando, Florida

Other than this, as most colleges and universities open in the fall (Early September), most students travel to the USA in late August.